General thought, and this may be one that was answered but I missed. Is there a way we could sticky the letter posted? Or is there a thread where people have posted the various letters used in correspondence? I have not had a need for one as of yet, but I do think items like that is something people would like to see or reference. Especially since many of us may not know our true rights (but getting better all the time with these boards)!
3-17-08 (FAKO): TU 768; EXP 783; EQ 750
3-24-08 (FICO): TU 737; EXP ???; EQ 710